{ "canonical_url": "https://lendb.ai/s/usda/virginia", "summary": "As of 2026-10-09, LenDb lists 104 loan officers licensed in or based in Virginia whose lender pages show USDA loan work. The top-ranked are Don Waters (Fairway Independent Mortgage Corporation, Clayton), Justin Burris (Fairway Independent Mortgage Corporation, Raleigh) and Lori Jule (Atlantic Coast Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "usda", "state": "VA", "total": 104, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "loan_officer": { "nmls_id": 82361, "slug": "donald-waters-82361", "full_name": "Don Waters", "canonical_url": "https://lendb.ai/lo/donald-waters-82361", "json_url": "https://lendb.ai/lo/donald-waters-82361.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Clayton", "state": "NC" }, "licensed_states": [ "FL", "IN", "KS", "KY", "MI", "NC", "OH", "PA", "SC", "TN", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 11, "licensed_since": { "year": 2015, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.fairway.com/lo/don-waters-82361", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2015 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/donald-waters-82361", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/don-waters-82361" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 57.8, "loan_officer": { "nmls_id": 659024, "slug": "justin-burris-659024", "full_name": "Justin Burris", "canonical_url": "https://lendb.ai/lo/justin-burris-659024", "json_url": "https://lendb.ai/lo/justin-burris-659024.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Raleigh", "state": "NC" }, "licensed_states": [ "AR", "NC", "TX", "VA" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.fairway.com/lo/justin-burris-659024", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/justin-burris-659024", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/justin-burris-659024" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 57.5, "loan_officer": { "nmls_id": 190409, "slug": "lori-jule-190409", "full_name": "Lori Jule", "canonical_url": "https://lendb.ai/lo/lori-jule-190409", "json_url": "https://lendb.ai/lo/lori-jule-190409.json", "lender": { "nmls_id": 643114, "name": "Atlantic Coast Mortgage", "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "licensed_states": [ "FL", "AL", "AZ", "CT", "DC", "DE", "GA", "ID", "LA", "MA", "MD", "ME", "MI", "NC", "NE", "NH", "NJ", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "VT", "WV" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Office in Fairfax, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lori-jule-190409", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 57.5, "loan_officer": { "nmls_id": 290277, "slug": "jolayne-craig-290277", "full_name": "Jolayne Craig", "canonical_url": "https://lendb.ai/lo/jolayne-craig-290277", "json_url": "https://lendb.ai/lo/jolayne-craig-290277.json", "lender": { "nmls_id": 643114, "name": "Atlantic Coast Mortgage", "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114", "type": "imb" }, "branch": { "city": "Fredericksburg", "state": "VA" }, "licensed_states": [ "MD", "NC", "TN", "VA" ], "licenses": [ { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/jolayne-craig/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Office in Fredericksburg, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jolayne-craig-290277", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.atlanticcoastmortgage.com/lo/jolayne-craig/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 56.5, "loan_officer": { "nmls_id": 182553, "slug": "sanj-banga-182553", "full_name": "Sanj Banga", "canonical_url": "https://lendb.ai/lo/sanj-banga-182553", "json_url": "https://lendb.ai/lo/sanj-banga-182553.json", "lender": { "nmls_id": 512138, "name": "TowneBank Mortgage", "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138", "type": "bank" }, "branch": { "city": "Glen Allen", "state": "VA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://townebankmortgage.com/officers/sanj-banga/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Office in Glen Allen, VA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sanj-banga-182553", "license_check": { "state": "VA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 55.8, "loan_officer": { "nmls_id": 201581, "slug": "wayne-palkovic-201581", "full_name": "Wayne Palkovic", "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581", "json_url": "https://lendb.ai/lo/wayne-palkovic-201581.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Martinsburg", "state": "WV" }, "licensed_states": [ "MD", "PA", "VA", "WV" ], "licenses": [ { "state": "MD", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 43, "lender_profile_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 43 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 55.8, "loan_officer": { "nmls_id": 934863, "slug": "jason-inglish-934863", "full_name": "Jason Inglish", "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "json_url": "https://lendb.ai/lo/jason-inglish-934863.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Cumberland", "state": "MD" }, "licensed_states": [ "FL", "MD", "OH", "PA", "SC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://alcova.com/loan-officer/jinglish/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://alcova.com/loan-officer/jinglish/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 55, "loan_officer": { "nmls_id": 268035, "slug": "thomas-fazio-268035", "full_name": "Tom Fazio", "canonical_url": "https://lendb.ai/lo/thomas-fazio-268035", "json_url": "https://lendb.ai/lo/thomas-fazio-268035.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "St. Augustine", "state": "FL" }, "licensed_states": [ "FL", "GA", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/tom-fazio", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2010 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/thomas-fazio-268035", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/tom-fazio" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 54.8, "loan_officer": { "nmls_id": 155629, "slug": "mark-davison-155629", "full_name": "Mark Davison", "canonical_url": "https://lendb.ai/lo/mark-davison-155629", "json_url": "https://lendb.ai/lo/mark-davison-155629.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Virginia Beach", "state": "VA" }, "licensed_states": [ "VA" ], "licenses": [ { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/virginia-beach-va-4174/mark-davison/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Office in Virginia Beach, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-davison-155629", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/virginia-beach-va-4174/mark-davison/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 54.5, "loan_officer": { "nmls_id": 808120, "slug": "mei-yuen-808120", "full_name": "Mei Mee Yuen", "canonical_url": "https://lendb.ai/lo/mei-yuen-808120", "json_url": "https://lendb.ai/lo/mei-yuen-808120.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/mei-mee-yuen-808120", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2014 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mei-yuen-808120", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/mei-mee-yuen-808120" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 54, "loan_officer": { "nmls_id": 264957, "slug": "ray-ward-264957", "full_name": "Ray Ward", "canonical_url": "https://lendb.ai/lo/ray-ward-264957", "json_url": "https://lendb.ai/lo/ray-ward-264957.json", "lender": { "nmls_id": 643114, "name": "Atlantic Coast Mortgage", "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "NC", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 26, "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/ray-ward/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; 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